BMW M6 Insurance Rates
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UPDATED: Jun 4, 2023
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How much does the BMW M6 insurance cost to insure? Insurance for vehicles can be confusing. Full coverage for a BMW M6 costs $2,280 a year, or $190 a month. Read on to learn more about BMW M6 driver costs to find out how much is a BMW M6 to keep.
Want to start finding cheap BMW M6 insurance rates right away? Enter your ZIP code in our free tool above to find how much does a BMW M6 cost to insure.
Estimated insurance prices for a BMW M6 are $1,388 every 12 months for full coverage insurance. Comprehensive insurance costs on average $274 a year, collision costs $404, and liability insurance is $530. Liability-only insurance costs around $584 a year, with high-risk driver insurance costing $2,984 or more. 16-year-old drivers pay the most at $5,344 a year or more.
Average premium for full coverage: $1,388
Premium estimates by type of coverage:
Prices include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and M6 trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a BMW M6 go from the cheapest price of $584 for just liability coverage to a high of $2,984 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than congested cities.
The diagram below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences illustrate why it is important to compare rates quotes based on a specific location and their own driving history, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below illustrates estimated BMW M6 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $822
- Raising to $1,000 deductibles will save around $1,234 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,388
- Buying low $100 deductibles costs an extra $294 a year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,984 or more
- An auto insurance policy to insure a teen driver may cost $5,344
Insurance prices for a BMW M6 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your M6.
Opting for high physical damage deductibles can reduce prices by up to $450 each year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $528 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on BMW M6 insurance rates. A middle-age driver might find prices as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,870 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,252 | -$136 | -9.8% |
| Alaska | $1,064 | -$324 | -23.3% |
| Arizona | $1,152 | -$236 | -17.0% |
| Arkansas | $1,388 | -$0 | 0.0% |
| California | $1,582 | $194 | 14.0% |
| Colorado | $1,322 | -$66 | -4.8% |
| Connecticut | $1,424 | $36 | 2.6% |
| Delaware | $1,570 | $182 | 13.1% |
| Florida | $1,736 | $348 | 25.1% |
| Georgia | $1,282 | -$106 | -7.6% |
| Hawaii | $994 | -$394 | -28.4% |
| Idaho | $938 | -$450 | -32.4% |
| Illinois | $1,032 | -$356 | -25.6% |
| Indiana | $1,046 | -$342 | -24.6% |
| Iowa | $936 | -$452 | -32.6% |
| Kansas | $1,316 | -$72 | -5.2% |
| Kentucky | $1,890 | $502 | 36.2% |
| Louisiana | $2,052 | $664 | 47.8% |
| Maine | $856 | -$532 | -38.3% |
| Maryland | $1,146 | -$242 | -17.4% |
| Massachusetts | $1,108 | -$280 | -20.2% |
| Michigan | $2,406 | $1,018 | 73.3% |
| Minnesota | $1,160 | -$228 | -16.4% |
| Mississippi | $1,662 | $274 | 19.7% |
| Missouri | $1,230 | -$158 | -11.4% |
| Montana | $1,490 | $102 | 7.3% |
| Nebraska | $1,094 | -$294 | -21.2% |
| Nevada | $1,666 | $278 | 20.0% |
| New Hampshire | $1,000 | -$388 | -28.0% |
| New Jersey | $1,552 | $164 | 11.8% |
| New Mexico | $1,228 | -$160 | -11.5% |
| New York | $1,462 | $74 | 5.3% |
| North Carolina | $798 | -$590 | -42.5% |
| North Dakota | $1,138 | -$250 | -18.0% |
| Ohio | $958 | -$430 | -31.0% |
| Oklahoma | $1,424 | $36 | 2.6% |
| Oregon | $1,270 | -$118 | -8.5% |
| Pennsylvania | $1,322 | -$66 | -4.8% |
| Rhode Island | $1,850 | $462 | 33.3% |
| South Carolina | $1,258 | -$130 | -9.4% |
| South Dakota | $1,170 | -$218 | -15.7% |
| Tennessee | $1,212 | -$176 | -12.7% |
| Texas | $1,670 | $282 | 20.3% |
| Utah | $1,026 | -$362 | -26.1% |
| Vermont | $948 | -$440 | -31.7% |
| Virginia | $830 | -$558 | -40.2% |
| Washington | $1,068 | -$320 | -23.1% |
| West Virginia | $1,270 | -$118 | -8.5% |
| Wisconsin | $958 | -$430 | -31.0% |
| Wyoming | $1,236 | -$152 | -11.0% |
With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| BMW M6 2-Dr Coupe | $1,216 | $101 |
| BMW M6 2-Dr Convertible | $1,454 | $121 |
Rates assume 2007 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2007 BMW M6 | $274 | $404 | $530 | $1,388 |
| 2006 BMW M6 | $268 | $396 | $520 | $1,364 |
Rates are averaged for all BMW M6 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Right BMW M6 Insurance
Finding better rates on BMW M6 insurance consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to compare rates once a year by getting rate quotes from direct insurance companies, and also from several local insurance agents.
The items below are a quick rundown of the data that was covered above.
- It is possible to save as much as $160 per year simply by quoting early and online
- Drivers who require more liability coverage will pay around $580 annually to raise from 30/60 bodily injury limits to a 250/500 level
- Teen drivers pay higher prices, with premiums being up to $445 per month if full coverage is included
- High-risk drivers with reckless driving or DUI convictions pay on average $1,600 more each year to insure their M6
Frequently Asked Questions
When you look at a BMW M6 and how much does it cost to insure, there are multiple factors that influence what determines the price of car insurance.
Enter your ZIP code in our free tool below to start finding the right BMW M6 insurance group, whether you are looking for 2012 BMW M6 costs or 2014 BMW M6 insurance costs.
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What are the BMW M6 safety ratings?
BMW M6 insurance costs can depend on safety ratings. The BMW M6 is not crash-tested by the Insurance Insitute for Highway Safety (IIHS) or the National Highway Traffic Safety Administration (NHTSA).
Even though the BMW M6 doesn’t have safety ratings, the BMW M6 does have multiple safety features:
- DSC Electronic Stability Control (ESC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- BMW Assist eCall Emergency Sos
- Front And Rear Parking Sensors
- Forward Collision Mitigation
- Tire Specific Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Curtain 1st And 2nd Row Airbags
- Airbag Occupancy Sensor
- Driver And Passenger Knee Airbag
- First Aid Kit
- Outboard Front Lap And Shoulder Safety Belts
- Back-Up Camera
Safety features can earn you a discount on car insurance for a BMW M6. BMW M6’s that are old will have fewer safety features.
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BMW M6 Compared Against Vehicles in the Same Class
The BMW M6 is a luxury car, which puts it at a higher risk of crashing into other vehicles. The IIHS does not have liability losses recorded for the BMW M6. Take a look at the other luxury cars below to see how rates compare to the BMW M6.
Ready to start saving on BMW M6 insurance rates and find out which car insurance company is cheapest? Enter your ZIP code in our free tool.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,344 |
| 20 | $3,168 |
| 30 | $1,428 |
| 40 | $1,388 |
| 50 | $1,270 |
| 60 | $1,244 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,682 |
| $250 | $1,548 |
| $500 | $1,388 |
| $1,000 | $1,234 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,388 |
| 50/100 | $1,571 |
| 100/300 | $1,718 |
| 250/500 | $2,099 |
| 100 CSL | $1,630 |
| 300 CSL | $1,952 |
| 500 CSL | $2,187 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,580 |
| 20 | $5,046 |
| 30 | $3,030 |
| 40 | $2,984 |
| 50 | $2,852 |
| 60 | $2,824 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $72 |
| Multi-vehicle | $73 |
| Homeowner | $23 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $56 |
| Advance Quote | $64 |
| Online Quote | $97 |
| Total Discounts | $566 |
Discounts are estimated and may not be available from every company or in every state.
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